Product Enhancements Featured for 2008

• Mechanical Breakdown of air conditioning systems, pin spotters, modern office equipment, refrigeration systems, and phone systems are now included under our mechanical breakdown package.
  
• Our product also features crime coverage that provides $2500 coverage both on and off premises for wrongful abstraction of money. This includes robbery, money in transit to the bank, money in video machines or change machines, or money stolen from the control counter, office, deposit bags, or safe. The deductible is $250. Supplemental coverages specific to the Bowling Industry are found on our forms.
  
• Our Bowling Center Policy now includes coverage for lost income and extra expense suffered after a covered loss. This INCLUDES loss of net profit, wages if desired, ongoing bills like taxes and mortgage payments, and extra expense necessary to become operational again or to minimize the loss.
  
• Our General Liability Policy features coverage with limits of $1,000,000 per person and $2,000,000 per aggregate (policy year), with broad coverage automatically included.
  
• Liquor Legal Liability Coverage is available and the premium is based on your alcohol sales. This coverage responds to 3rd parties that allege injuries caused by a person who had been drinking on your premises, or for injuries to the allegedly intoxicated person after he has left your premises. Losses in this area can be severe, and many companies prefer not to provide this coverage.
  
• Business auto coverage, including coverage for non-owned autos help round out your package coverage and reduce "gaps" in coverage. Workers Compensation coverage is provided through our safety group or other avenues to protect against claims arising from injuries to your employees.
  
• Excess Liability or Umbrella Liability Coverage may be provided for additional protection over your general liability, automobile liability, and workers compensation policies. We are concerned because the carriers are refusing to include excess Liquor Legal Liability in the Umbrella. We feel this is a significant problem and are seeking ways to close this gap in coverage.
  
• The Texas Bowling Centers Association, North Pointe Insurance Company and Bill Taylor & Associates provide Bowling Centers with Safety Manuals that will assist in managing losses for General Liability, Workers Compensation, Business Auto, and Liquor Legal.

Additional bowling resources

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